Remortgage With a CCJ Yes — Here Is How
Remortgaging with a CCJ is absolutely possible and is something Darryl helps clients with regularly. Whether you want to switch to a better rate, release equity or consolidate debts, specialist lenders have remortgage products for CCJ applicants.
🏦 What Lenders Look At
- Current loan-to-value on your existing property — equity helps
- Age and satisfaction status of the CCJ
- Your payment history on your current mortgage — clean payments are crucial
- Current income and affordability
- Whether there are other adverse credit markers since your original mortgage
❓ Common Questions
Can I stay with my current lender if I have a CCJ?
A product transfer often does not trigger a new credit check. This means your CCJ may not be reassessed. Darryl will advise whether a product transfer or a full remortgage is the better option.
Can I release equity if I have a CCJ?
Yes. Equity release remortgages are available through specialist lenders for CCJ applicants.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.